MCP does not use educational scores. Its analysis is thorough and its unique plan-of-action provides future steps to improve the credit scores used when others make decisions about your housing, credit, lending, employment, insurance, etc.

MCP offers a variety of unique tools including My Guide, Score Qualifier, Score Analyzer and Score Planner. MCP also includes a variety of proprietary internal teaching tools not found on any other website.

Score Qualifier gives you notices when you may qualify for additional savings on loans and insurance as your scores increase.

Score Analyzer reviews and grades your credit standing to the 35 sub-components that go into your lenders credit scores. Each sub-component will also identify the specific issue in your credit report. No other analysis even comes close to providing such detailed analysis.

Planner creates an outline of action steps and creates the My Guide overview. My Guide breaks down the individual items needed to improve your lenders scores. Score Planner offers far more strategies to improve your scores than any other score improvement program available guaranteed!

Remember, you want to improve the actual credit scores used by most lenders, not the educational credit scores.

A credit report must be generated from each of the three major credit bureaus (Equifax, Experian, Trans Union) to obtain a consumer's credit standing and create a specific plan-of-action. Since these reports have initial costs, there is no free introductory period.

The number of credit analysis updates is limited to one every 60 days. In order to maintain superior customer service, participation in the MCP may be limited.

No. Credit repair companies are for-profit businesses that repeatedly send ongoing dispute letters to the three major credit bureaus. They request the credit bureaus to remove negative account items on a person's credit report regardless of their legitimacy or accuracy. Traditional credit repair is reactionary.

My Credit Plan is a proactive forward-looking program providing solutions to complex credit score issues. Rather than simply disputing negative credit items, whether correct or not, our clients will achieve better long-term results by following a personalized plan-of-action. By utilizing My Credit Plan, FFEF teaches clients to engage the processes to enhance their credit.

No. Family Financial Education Foundation is a 501(c)(3) nonprofit consumer credit counseling and HUD-approved housing counseling agency. We do not extend credit or loans of any kind. The inquiry request from Family Financial Education Foundation is considered a soft inquiry and will not affect your credit scores. Hard inquiries occur when you apply for credit or loan from a lender.

No. MCP is for consumer use only. The information contained within MCP is non-transferable to any lender, insurance company, employer, landlord or other financial service provider